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Card-transaction data covering 174 million US consumers show that in April 2026 only 2.9% paid for at least one generative AI product from Anthropic

SourceNBER Working Paper 35953·Apr 2026

Verified 2026-10-30

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Why it matters

Free AI use is widespread but few people pay for it, so AI labs cannot yet lean on consumer subscriptions to fund their heavy spending.

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